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Debt Service of Low-Income Households in Indonesia Laily Dwi Arsyianti; Irfan Syauqi Beik
AL-MUZARA'AH Vol. 3 No. 1 (2015): AL-MUZARA'AH (June 2015)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (410.308 KB) | DOI: 10.29244/jam.3.1.76-88

Abstract

External source of fund is one way to get funds, but when it reaches 50 percent and above of disposable income, it becomes an issue. This paper attempts to elaborate determinants influencing low-income household in having 50 percent or more debt service ratio. By utilizing logistic regression approach to extract the data collected in the Greater Jakarta Indonesia, this study finds that when household head’s age is 45 years old and above, having 5 dependents or more, and is a home owner, the household is the most likely to have 50 percent and above debt service. While the least likely is when household head originally from Jakarta, no worry about future domestic economy condition, and have more than USD80 income per month. Variances of education level, marital status, occupation, financing institution, charity per income are not proved statistically significantly give effect to the variance of debt service in this study
Analisis Faktor-Faktor yang Mempengaruhi Alokasi Infak Rumah Tangga: Studi Kasus di Desa Pasir Eurih, Kecamatan Tamansari, Kabupaten Bogor Myrella Velika Amanta; Wiwiek Rindayati; Laily Dwi Arsyianti
AL-MUZARA'AH Vol. 2 No. 1 (2014): AL-MUZARA'AH (June 2014)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (375.577 KB) | DOI: 10.29244/jam.2.1.39-53

Abstract

Indonesia is one of countries with the most populous Muslim in the world. Poverty that strikes Muslims is an irony considering Islam is the only divine religion which explicitly requires his people to dispense zakah. Therefore, Zakah, Infaq, and Sadaqah (ZIS) is the potential solution to eradicate poverty in Indonesia. Infaq can be an alternative solution to alleviate poverty through income equalization. This study analyses factors that affect the household’s charity allocation using Ordinary Least Square (OLS) method and behavior of charity allocations on household using descriptive analysis. Result shows that altruism, income and formal education affect household’s charity allocation. These three factors positively influence the amount of household’s charity. On the other hand, behavior on charity allocation shows a good respond even though it is not yet a priority.
Non-Muslim Customer Preferences towards Islamic Banks in Semarang Nur Baethi Hariyana; Laily Dwi Arsyianti
AL-MUZARA'AH Vol. 7 No. 1 (2019): AL-MUZARA'AH (June 2019)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (656.234 KB) | DOI: 10.29244/jam.7.1.61-74

Abstract

The prohibition of riba is applied by all religions. Islamic banking has a potential to attract non-Muslim customers. Semarang, both the regency and the city, has the largest non-Muslim population in Central Java. Currently, the number customers using Islamic banks has reached 22 million in 2017. This nominal can be escalated by elaborating non-Muslim preference towards Islamic banks. Therefore, this study aims to determine the factors that influence the preferences of non-Muslim customers towards Islamic banks in Semarang regency and the city. There are 120 respondents who have been interviewed, consisting of 60 respondents are Islamic bank customers and 60 respondents are conventional bank customers. They are selected based on non-probability sampling technique. Logistic regression method is employed to analyze the data. Results show the preferences of non-Muslim customers using Islamic banks are knowledge, profit sharing, religions, administrative profit, and income. Islamic banks can target non-Muslim customers through actively involved in disseminating Islamic financial products.
Islamic Financial Literacy in Muslim Majority Country Irfan Syauqi Beik; Laily Dwi Arsyianti
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 10, No 2 (2020): ISLAMINOMICS: Journal of Islamic Economics, Business and Finance
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/ji.v10i2.120

Abstract

Various researches have been carried out by the most Muslims populous country in the world to identify the level of literacy towards Islamic economics and finance. The results showed that the literacy levels are still far below the target. This paper attempts to identify the programs that have been organized to increase the literacy level, the potential of human resources to lift up the level, as well as the research and development that have been and potential to be carried out in order to achieve much more level of literacy as targeted by the authority.
Pengelolaan Hutan Rakyat Berbasis Ameliorasi dan Agroforestri di Sekitar Taman Nasional Gunung Halimun Salak Desa Pulosari Jawa Barat Jesika Permatasari; Sri Mulyani; Iqbal Mahmudin; Laily Dwi Arsyianti
Jurnal Pusat Inovasi Masyarakat (PIM) Vol. 4 No. 1 (2022): April 2022
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (4239.439 KB) | DOI: 10.29244/pim.4.1.32-41

Abstract

Desa Pulosari bertetangga dengan lahan hutan, intensifikasi lahan pertanian semakin meluas seiring pertumbuhan penduduk yang semakin menambah kebutuhan atas pangan. Alih fungsi lahan hutan menjadi lahan pertanian disadari menimbulkan banyak masalah seperti penurunan kesuburan tanah, erosi, kepunahan flora dan fauna, banjir, kekeringan dan bahkan perubahan lingkungan global. Masalah ini bertambah berat dari waktu ke waktu sejalan dengan meningkatnya luas areal hutan yang dikonversikan menjadi lahan pertanian. Berdasarkan hal tersebut maka diperlukan kegiatan pengelolaan lahan yang optimal untuk mendapatkan hasil yang maksimal dalam memenuhi kebutuhan jumlah penduduk yang semakin meningkat. Salah satu cara yang dapat dilakukan adalah melalui teknik ameliorasi dan agroforestri. Program yang diinisiasi pada kegiatan Kuliah Kerja Nyata Tematik (KKN-T) ini bertujuan untuk membantu masyarakat sasaran dalam mengembangkan lahan miliknya yang berupa hutan rakyat atau hutan tanaman rakyat untuk diintensifkan penggunaannya agar dapat memberikan tambahan penghasilan melalui kegiatan ameliorasi dan agroforestri. Target khusus yang dicapai adalah meningkatkan keterampilan pengelolaan lahan hutan oleh petani dengan mengaplikasikan sistem ameliorasi dan agroforestri pada lahan yang tidak produktif. Tujuan khusus program KKN-T ini diharapkan dapat dicapai melalui pemberdayaan masyarakat Kelompok Tani Sumber Rejeki dengan sasaran kegiatan sosialisasi program kerja ameliorasi dan agroforestri serta pelatihan teknik ameliorasi dan agroforestri kepada petani. Desa Pulosari memiliki lahan pertanian yang sangat luas yaitu sekitar 2.500 ha dengan fokus pertanian semula pada tanaman holtikultura. Petani semakin termotivasi untuk mengaplikasikan ameliorasi dan agroforestri sehingga lahan yang sebelumnya tidak produktif dapat dikembangkan secara produktif dan berkelanjutan.
Pemberdayaan Masyarakat Desa Karang Asem Timur dalam Optimalisasi Budi Daya Ikan dan Produk Olahannya Laily Dwi Arsyianti; Furqon Syarief Hidayatulloh; Fajar Maulana
Agrokreatif: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 8 No. 2 (2022): Agrokreatif Jurnal Ilmiah Pengabdian Kepada Masyarakat
Publisher : Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/agrokreatif.8.2.158-164

Abstract

In early 2020, Karang Asem Timur Village received a grant from the Ministry of Marine Affairs in the form of a catfish farming system in buckets (budikdamber). This program is conducted by several business groups that are widely spread in the community. Many of the catfish farmers in Karang Asem Timur Village complain about the high cost of commercial feed which is commonly used, made the profits earned very insignificant and even tend to lose, thus need supervision. The IPB Serving Lecturer Program attempts to empower the people of Karang Asem Timur Village in optimizing fish farming activities and their processed products. This program as an extension of the Thematic Field Apprenticeship Lecture (KKN-T) program, partners with the catfish business group in Karang Asem Timur Village look for other feeding alternatives that are cheaper and have good nutritional content for catfish. In addition, the program also cooperates with youth organizations and family welfare empowerment to open business opportunities for processed catfish products and catfish cultured products. It is hoped that the progress and independence of the village economy can be achieved. The society eagerly participate and propose for the program to be continued gradually and sustainably in the near future.
PAPI: Panduan Pintar sebagai Media Edukasi Pencegahan Covid-19 bagi Masyarakat Kota Bekasi Divary Raihan Pratama; Nadia Fauzana; Ryan Arif Basardi; Laily Dwi Arsyianti
Jurnal Pusat Inovasi Masyarakat (PIM) Vol. 4 No. 1 (2022): April 2022
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (4240.077 KB) | DOI: 10.29244/pim.4.1.62-69

Abstract

Pemberian edukasi kepada sekelompok masyarakat merupakan suatu upaya dalam mencegah penyebaran virus Covid-19. Panduan Pintar (PAPI) sebagai media edukasi Covid-19 di RW 08 Kelurahan Pengasinan Kota Bekasi merupakan salah satu program yang didasari oleh imbauan pemerintah Indonesia yang dinamai Gugus Tugas Percepatan Penanganan COVID-19 dan ini juga merupakan salah satu program kami selaku peserta KKN-T IPB 2020 di Desa Pengasinan. Program ini bertujuan untuk menggerakkan tokoh masyarakat RW 08 untuk berperan aktif dalam memastikan warganya untuk menjalankan prosedur yang disarankan oleh pemerintah dengan sebaik-baiknya, meningkatkan pengetahuan dan keterampilan warga RW 08 mengenai Covid-19 dan langkah-langkah pencegahannya. Program ini terdiri dari empat kegiatan yaitu kegiatan penyuluhan 1 (perilaku hidup bersih), Kegiatan Penyuluhan 2 (New Normal), dan kegiatan penyuluhan 3 (peran keluarga dimasa pandemi). Warga RW 08, Kelurahan Pengasinan telah mendapatkan booklet PAPI (Panduan Pintar Covid-19) sehingga diharapkan warga RW 08 dapat melanjutkan kegiatan produktif selama masa pandemi Covid-19.
Socio-demographic and Economic Factors Affecting Regular Charity-giving: a Case of Low-income Households in Indonesia Laily Dwi Arsyianti; Salina Kassim; Abideen Adewale
International Journal of Zakat Vol 2 No 1 (2017)
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (588.926 KB) | DOI: 10.37706/ijaz.v2i1.12

Abstract

A Muslim is encouraged do charity for the blessings and rewards from Allah subhanahuwata’ala, not limited to low-income households. Some social finance institutions have been encouraging their zakat and infaq recipients, along with empowering programmes, to gradually give away a portion of their income as charity to the institutions; thus, it would be circulated among them. It is necessary to identify what factors influence them in regularly giving charity. Questionnaires were distributed to 1780 respondents from six areas in the west, middle, and east of Indonesia. By employing logistic regression, results show that determinants affecting regular charity giving of low-income households in Indonesia are employment status, household size, portion of charity per income, expectation of future economy, income, religious activity, and type of financing institution. Many Islamic economic researches have looked at compulsory charity, that is, zakat, and waqf topics, but none of them has covered voluntary monetary charity giving of low-income households in Indonesia. This research tries to fill the gap. Keywords: charity giving, low-income households, Indonesia, social finance
How different believers’ perceptions of choosing halal hotels an empirical analysis of non-muslim customers in Jakarta Nadiya Ulfa; Laily Dwi Arsyianti; Mohammad Iqbal Irfany; Daffa Aqomal Haq
Journal of Sustainable Tourism and Entrepreneurship Vol. 4 No. 1 (2022): September
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/joste.v4i1.1664

Abstract

Purpose: The primary objective of this study was to understand the factors that influence non-Muslim clients' perceptions of halal hotels in DKI Jakarta, Indonesia. Research Methodology:  Data were collected using questionnaires from 95 hotel guests in the DKI Jakarta region. Descriptive analysis and logistic regression were employed as analytical methods. Results: The results of the logistic regression revealed that education level and cost of hotel stay are significant determinants of non-Muslim consumers' selection of halal hotels. Limitations: This study was limited by its sample size of 95 visitors and geographical restrictions on the DKI Jakarta area. These variables may have affected the generalizability of our results. Contributions: This research enriches the halal tourism domain by elucidating non-Muslim guests' views on halal hotels and offering invaluable guidance for hoteliers, tourism entities, and policymakers to expand their target clientele in halal travel. Novelty: The novelty of this study lies in its focus on non-Muslim consumer perceptions, providing empirical evidence on how education and price influence hotel selection in the context of halal tourism.
PERENCANAAN PEMBELIAN RUMAH TINGGAL Laily Dwi Arsyianti
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq, Vol. 3, No. 1 (2012)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v3i1.349

Abstract

One of the basic needs of human being is having a house to live in. However, we quite often find obstacles in buying a house, one of which is availability of sufficient cash at the time we need. Therefore, this paper tries to share the knowledge about ownership schemes of having house(es) and how to make a plan or a financial design in order to own a house as soon as possible . Eventually, a house or a home in various physical shapes can be owned not only in physical appearence but also through its usufruct without having its physicality. Detailed planning needs to be estimated at early stage in order to fullfil the need of living in a home. While at the same time, we need to maintain our qana'ah lifestyle.